Barclays—AVP - Credit Analysis Manager

Job description

Description: Job Description Purpose of the role To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities. Accountabilities - Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default. - Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default. - Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies. - Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans. Assistant Vice President Expectations - To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions. - Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes - If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others. - OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes. - Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues. - Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda. - Take ownership for managing risk and strengthening controls in relation to the work done. - Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. - Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy. - Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively. - Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience. - Influence or convince stakeholders to achieve outcomes. All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave. Join us as an "AVP - Credit Analysis Manager" at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionise our digital offerings, ensuring unapparelled customer experiences. You may be assessed on the key critical skills relevant for success in role, such as experience with Credit Analysis Manager, as well as job-specific skillsets. To be successful as an "AVP - Credit Analysis Manager", you should have experience with: Credit and Transactional Risk Management : - Assess a customer’s business and/or transaction structure through the analysis of business, transactional, market and credit risks associated with the provision of the Bank’s products and services to the customer. - Provision of information on a customer’s business via research, using various sources e.g. trade journals / brokers reports / Internet / Bloomberg and rating agencies. Deliver professional advice on risk management matters, industry and product sets, competitor activity and the timely involvement of external specialists. - Develop highly thought-out, top-quality credit analysis and solutions, with the view to obtaining credit approval from Credit Sanctioners/Credit Committees - The preparation of credit proposals for recommendation and presentation directly to the Sanctioner and/or Committee on behalf of the Relationship Point. - Creation/verification of customer grading and severity, ensuring the optimal use of financial modelling and grading tools. - Responsible for the first-class analysis of financial information produced by customers. - Responsible for the full & accurate delivery of Post sanction documentation. Typically, this will be outsourced documentation, therefore includes you managing this process closely with external Agents. Business/Risk Partnership : - Partner closely with the Risk Sanctioning Unit and Relationship team on new credit applications, providing early guidance on credit appetite and proactively engaging credit sanctioners to help shape bespoke customer and risk solutions. - First class delivery of service in line with agreed service level agreements/customer set deadlines - Proactively contribute to change management initiatives in support of process and quality improvements, cost reductions and development of colleagues within the team - Act as liaison for risk management information purposes with ABs, accountants, solicitors and other relevant people. - Occasional customer interaction to discuss lending proposals in detail, making recommendations as appropriate. - Support the Business by operating within cost budgets, using initiative to “working smarter” Team Working : - Coach, mentor and guide the junior analysts in the team to bring them up the learning curve and further hone their credit skills. - Be an SME and act as a role model for the team members. - As a senior member of the team, to undertake and complete ad hoc projects as and when required, under your own drive and initiative. - Risk and Control: All Barclays colleagues have to ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Barclays Policies and Policy Standards Stakeholder Management and Leadership: The key stakeholders of this role will be - Risk Sanctioners. - Relationship Directors & Associate Bankers. - Monitoring & Control team. - Control teams. Basic/ Essential Qualifications: - CA or MBA - Finance (CFA/FRM added advantage). - Prior experience in corporate credit analysis in any Indian nationalised and private banks or foreign bank (Rating Agency added advantages). - Ability to generate insights from data and information, assess the risk impact and recommend action. - Understanding of financial statements to enable appropriate interpretation of results. - Deep understanding of Corporate Banking products, Opportunity Assessment and Deal Structuring. - Familiarity with MS Office and AI tools. - Conceptual thinking – find innovative ways to solve analytical problems - Ability to deliver accurate results within tight deadlines. - Team work – Commitment and ability to work with cross-functional teams - Strong interpersonal skills. - Oral and written communication skills with ability to translate insight into a coherent story. Desirable skillsets/ good to have: - Knowledge of UK GAAP and IFRS. - Awareness of legislation affecting the Bank and customers (including the Data Protection Act, Companies Act, Insolvency Act, Financial Services Act, Money Laundering and confidentiality regulations, Sarbanes Oxley and Basel). This role will be based out of Noida.